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AIBU?

to think DH made an expensive mistake??

92 replies

TheAngryCheeseCracker · 17/10/2013 13:12

I have driven for over 10 years, DH learned a year ago. We now have 2 cars, I am the policy holder of insurance for both cars, he is the named driver for his car.

He bumped into another car, very lightly, yesterday. His fault. No damage to our car, other car has a small dent in bumper.

DH then got insurance involved, and they are paying the damage (not expensive).

AIBU tot hink DH should have settled this without insurance? I have lost my no-claims discount....was paying only £300 on insurance a year. I think in the long run this was a stupid and expensive decision?!

OP posts:

Report

paperlantern · 17/10/2013 14:17

zzzz- kinda incorrect. yes the other party can claim off your insurance. yes you could be an ass and claim to your insurance company that it wasn't your fault which would delay the claim. but in most cases ( unless fault really is questionable) the insurance company will settle it before it goes to court.

you can offer to pay your insurance company or the other person's insurance company. if you don't pay though the other person's insurance will go back to your insurance company.

paperlantern · 17/10/2013 14:20

from memory insurable interest means that you would suffer financial loss if something happened to the car. that can apply even if it isn't your own car you are driving

ilovesooty · 17/10/2013 14:27

The other driver can insist on having yourinsurance details and even if you payfor the damage yourself the recording of the accident will cause your premium to rise on renewal.

TheAngryCheeseCracker · 17/10/2013 14:27

the other driver and I have same insurance company, so that is why they don't let us pay, if that makes sense, now that they have been involved. (as easy to sort for them as we are both with them)

ll8893, just call the insurer and ask would be best.

You don't look at the future, but at the "now", so you would be the main driver, and if/when that changes, call the insurance company again.

Though clearly, you should not take advice about care insurance form stupid old me !

OP posts:

paperlantern · 17/10/2013 14:30

have you spoken to the insurance company?

quite rightly the other person may be happier dealing with the insurance company. doesn't mean you can't settle up with the insurance company.

paperlantern · 17/10/2013 14:32

don't bother calling the insurance company twice unless they say you need to. my hunch is it won't be necessary

TheAngryCheeseCracker · 17/10/2013 14:33

yes, but feel better informed now and will call again :)

the power of MN!

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paperlantern · 17/10/2013 14:36

if the jobsworth on the first level of call centre says no ask to speak to the team dealing with the claim. Probably called loss recovery

paperlantern · 17/10/2013 14:44

to the utter twit who posted on this thread that fronting is a good idea.

insurance isn't just for you ans the damage to your car. It's to protect the poor innocent soul you accidentally maim. it ensures they are looked after as well as possible even if it was your fault.

if you can't afford insurance how the hell are you going to afford the level of damages that even a most basic accident will incur.

There is a reason it's a legal requirement to have a basic level of insurance in this country. You simply shouldn't be ob the road

paperlantern · 17/10/2013 14:48

and yes Charlie you are behaving illegally, you are not insured and yours is the kind of case that does get spotted, investigated and cancelled.

anyone who has had any involvement in insurance and actually looking at the damage caused in accidents knows how stupid driving uninsured is

Beastofburden · 17/10/2013 15:13

angry why not have one car, and use taxis, car share clubs or bus as needed?

BelaLugosisShed · 17/10/2013 15:34

You don't lose your whole no claims bonus, it's normally just a year, possibly two, it will barely affect your renewal premium.
Actually it's perfectly legal to have a policy in your name but have another driver as the main driver as long as you are the registered keeper of the insured car.

My DD hit another car in the snow last winter, lost two of her 5 years NCB and her insurance only went up by around £60.

TheAngryCheeseCracker · 17/10/2013 15:35

Bela......phew!

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Tiptops · 17/10/2013 16:33

Goodness sake, what rubbish is being said in this thread. Fronting does not apply to married couples, insurance companies do not distinguish between main and named drivers if you are spouses.

DIYapprentice · 17/10/2013 17:04

Of course you can have different main drivers to policy holders and owners!! I own both our cars, am the policy holder to both cars, but DH is the main driver on one car, and I am the main driver on the other car. The paperwork is very clear as to who is the main driver.

When I bought the second car (and DH then had main use of the first car) the insurance company were willing to 'match' my no claims discount, but wouldn't include it in the paperwork if I moved in the first 2 years to another company, but would recognised it after those 2 years.

mrsminiverscharlady · 17/10/2013 17:09

Worrying (but not surprising) that someone who allegedly works in the industry doesn't understand that it is perfectly acceptable to be a policy holder and have the named driver as the main driver.

tiggytape · 17/10/2013 17:18

This reply has been deleted

Message withdrawn at poster's request.

eastmidlandsnightnanny · 17/10/2013 18:18

U r commiting fraud if he is the main driver of that second car n uses it regularly he can not be the named driver n if insurance company decide to investigate claim u insurance will be invalid n u can be fined there is an official name for it i cannot remember sorry married to an insurance claims director

eastmidlandsnightnanny · 17/10/2013 18:24

Sorry just read all comments n yes fronting is what am thinking of. My husband only passed test 7yrs ago n me forever ago n no u cannot have a policy with the named driver as the main driver as u have the main driver the policy holder n the named driver n actually my husband insurance has been v similar to mine from start maybe as he was 32 when passed test n had first own car at 35 we shared before n he was on my insurance as named driver as i used for work n he occ drove at weekends

dexter73 · 17/10/2013 18:26

I can't understand what you have written eastmidlands - sorry.

QuintessentialShadows · 17/10/2013 18:29

I am surprised your insurance company would allow one no claims bonus used on two insurances. I was always told that you could only use your no claims bonus for one car at the time. I own two cars. One of the policies has a pretty hefty no claims bonus (over 12 years) and the other only 2 years worth of accumulated bonus.

eastmidlandsnightnanny · 17/10/2013 18:31

Sorry on mobile n exhausted will ask husband when he gets home the official response

Reality · 17/10/2013 18:32

Fronting doesn't apply between spouses.

Loads of nonsense being touted as fact here. DH and I have had several cars/insurance policies and he is ALWAYS the policy holder and I am named driver on both of our cars, and I always make sure the insurers know that I own and drive one of them.

It is totally legal and normal.

Reality · 17/10/2013 18:33

You can only use your ncb on one of the cars though.

lborolass · 17/10/2013 18:35

I'm sure I've read (probably on here) that for multicar policies the policy is in the name of one person but the insurance company know who the main driver of each car under the policy is. afaik this certainly isn't illegal.

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